Curbside Banking Authentication for Secure Vehicle-to-Spot Pairing
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Solution Overview
Problem
Existing banking services at financial institutions face inefficiencies and security risks in drive-through models due to long wait times and potential privacy issues when multiple customers inadvertently connect to incorrect IoT devices, leading to incorrect transactions and security breaches.
Innovation Solution
A curbside banking system employing dual authentication techniques using IoT devices and mobile devices to verify customer and vehicle identity, ensuring accurate connection to the correct parking spot through authentication tokens and image data analysis.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If multiple customers wirelessly connect to different IoT gateway devices simultaneously, then service availability is improved, but privacy security deteriorates due to potential connection errors between customers and incorrect devices
Solution Approach 1:
The system uses image recognition technology to continuously monitor and verify the spatial relationship between customers and IoT gateway devices. The camera captures real-time images of customers' vehicles and compares them with pre-stored images associated with each parking spot, providing feedback to confirm correct device pairing and prevent connection errors
Solution Approach 2:
The patent introduces an intermediary verification mechanism using image data as a mediator between the customer's wireless connection request and the IoT gateway device. Before establishing a connection, the system verifies through image recognition that the customer is physically present at the correct parking spot, acting as a security intermediary that prevents direct but incorrect connections
2Reliability
If drive-through banking services are provided with physical presence requirements, then transaction security is improved, but service efficiency deteriorates due to long wait times
Solution Approach 1:
The patent replaces the traditional mechanical drive-through window interaction system with a wireless communication system. Customers can conduct banking transactions through wireless connections to IoT gateway devices while parked at curbside spots, eliminating the need for physical document exchange through windows while maintaining security through dual authentication and image verification
Solution Approach 2:
The system performs preliminary authentication and verification actions before the actual banking transaction begins. Image recognition verifies the customer's presence and vehicle identification occurs in advance, and the system pre-establishes secure wireless connections, so that when the customer needs service, the authentication is already complete and they can be served immediately
3Speed
If curbside banking with wireless connections is implemented, then service speed is improved, but device complexity increases due to authentication and verification systems
Solution Approach 1:
The patent makes the IoT gateway devices multi-functional by integrating multiple capabilities into single devices: wireless communication handling, image recognition processing, vehicle identification verification, and authentication management. This universality reduces the need for separate dedicated devices for each function, thereby managing complexity while enabling fast curbside banking service
Data Source
AI summary
Techniques discussed herein describe an example system for verifying the identity and location of a customer in a bank branch parking lot. A server determines whether to provision a service for a vehicle based on telemetry data received from a telemetry module on the vehicle in a fleet of vehicles. The telemetry data includes a first location and status information of the vehicle. The server identifies a vendor to provide the service and directs the vehicle to a second location of the vendor from the first location of the vehicle. The server provides authorization to the vehicle for an on-board transaction module to initiate a request for the service when the vehicle is at the second location of the vendor.